Feit v. Great-West Life and Annuity Ins. Co.

460 F. Supp. 2d 632, 2006 U.S. Dist. LEXIS 75741, 2006 WL 2861956
CourtDistrict Court, D. New Jersey
DecidedOctober 5, 2006
DocketCivil Action 03-2948 (HAA)
StatusPublished
Cited by11 cases

This text of 460 F. Supp. 2d 632 (Feit v. Great-West Life and Annuity Ins. Co.) is published on Counsel Stack Legal Research, covering District Court, D. New Jersey primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Feit v. Great-West Life and Annuity Ins. Co., 460 F. Supp. 2d 632, 2006 U.S. Dist. LEXIS 75741, 2006 WL 2861956 (D.N.J. 2006).

Opinion

OPINION AND ORDER

ACKERMAN, Senior District Judge.

This matter comes before the Court on a motion in limine filed by Defendant Great-West Life and Annuity Insurance Company (“Great-West”). Greafl-West seeks to exclude the expert reports and testimony of two experts, Dr. Due Duong, M.D. and Dr. Arthur P. Fisch, M.D., prof-erred by Plaintiff Frani Feit (“Mrs. Feit” or “Plaintiff’). For the following reasons, GreatWest’s motion to exclude expert testimony is GRANTED IN PART and DENIED IN PART with respect to the testimony of Dr. Duong, and DENIED with respect to the testimony of Dr. Fisch.

Background

The background facts for this motion are taken in part from the stipulated facts submitted as part of the Final Pretrial Order in this action, and in part from the papers submitted by the parties regarding Great-West’s summary judgment motion, which was largely premised on a challenge to the admissibility of the reports of Plaintiffs medical experts. The deceased, Dr. David Feit (“Dr.Feit”), was a practicing dentist and a member of the American Dental Association (“ADA”). Plaintiff Frani Feit is the surviving spouse of Dr. Feit and one of two designated beneficiaries of Dr. Feit’s life insurance policy. Mrs. Feit is proceeding in this action individually and as the assignee of the rights of Irwin Feit, Dr. Feit’s father, the other designated beneficiary of the policy.

The ADA maintained the life insurance benefits at issue under a group term life insurance plan provided by Great-West. Dr. Feit had a $1,000,000 group term life insurance policy at the time of his death and an additional $1,000,000 accidental death benefit. Under the terms of Dr. Feit’s insurance policy, in order to receive the accidental death benefit, an insured’s death must be the result of a bodily injury that is caused solely by accidental means. Under the policy’s terms, Great-West was obligated to pay the additional accidental death benefit only if death occurred within 90 days of an accident, was a direct result of an accident, and was unrelated to any other cause. According to the language of the policy, the accidental death benefit would not be paid if the member’s death was in any way connected to a disease, illness, or physical or mental infirmity, in- *634 eluding the medical or surgical treatment of any disease or illness.

Dr. Feit died on July 22, 2002 in Rock-land County, New York. The cause of death is the central matter of dispute in this case. At the time of his death, Dr. Feit was forty-four years old, did not smoke, and had no history of cardiac disease or illness, other than an elevated cholesterol level which was controlled with medication. He regularly walked five miles four to five times per week and played basketball on Sundays.

Sometime during the morning of July 22, 2002, Dr. Feit’s car drove off the southbound lane of a highway in Rockland County and crashed into and drove through the guardrail, causing damage to ten feet of the rail. The vehicle then went down a 670-foot grassy slope, struck a chain-linked fence, and stopped at the Spook Rock Industrial Park (the “Park”). The car damaged a sign and part of the fence, and parts of the vehicle were scattered throughout the car’s path. The location of Dr. Feit’s car was reported to police by the Park’s construction manager at approximately 12:11 PM. Police were called to the scene, and upon investigation found that Dr. Feit had died in the car. Dr. Feit’s body was found in the front seat area of the car, clutching his chest and biting his shirt. Dr. Feit did not appear to have worn a seat belt, and the air bags were not deployed. According to the report of the investigator for the Medical Examiner’s Office for the County of Rock-land, the position of Dr. Feit’s body in the car upon discovery appeared as though the body had “bounced around” inside the car. (Aff. of Gina Goodreau, dated October 28, 2004 (“Goodreau Aff.”), Ex. I at 2.) 1

The Medical Investigator for Rockland County came to the scene of the accident and prepared a report. On July 23, 2002, Dr. Marcelo Zappi, M.D., a pathologist for the Rockland County Medical Examiner’s Office, performed an autopsy on Dr. Feit. The pathology report prepared by Dr. Zappi described Dr. Feit’s cardiac condition as follows: “Cardiac atherosclerosis, moderate to severe. Myocardial fibrosis. Myocardial fiber fragmentation with loss of nuclei and striations. Patchy interstitial hemorrhage and lymphocytic infiltration, mild.” (Goodreau Aff., Ex. G at 5.) The autopsy results indicated that Dr. Feit died from a “myocardial infarction, old due to atherosclerotic obstruction of coronary arteries.” (Goodreau Aff., Ex. G at 4; Ex. C.) There is no mention in the report of any examination of Dr. Feit’s head or nervous system.

The beneficiaries submitted claim forms to Great-West in August 2002, seeking the full $2,000,000 in available benefits. Great-West replied by letter dated August 15, 2002, enclosing payment of the beneficiaries’ respective shares under the life insurance policy, and stating that the accidental death claim was rejected because Mr. Feit’s death certificate listed “natural cause,” rather than accident, as the cause of death. Great-West further stated in the letter that it would reconsider the accident benefit portion of the claim if additional proof was submitted. Mrs. Feit responded to Great-West with copies of the autopsy report, accident report, EKG report from Dr. Feit’s cardiologist, and correspondence from Dr. Feit’s car insurance company indicating that his vehicle was totaled in the crash. Greab-West submitted this information to a Great-West consulting physician, who rendered a report on October 30, 2002. The consulting physician’s report reaffirmed the autopsy finding and stated that complications of the myocardial infarction caused Dr. Feit’s *635 death, and thus the consulting physician rejected any assertion of accidental death.

On October 31, 2002, Greab-West’s claim analyst wrote to Mrs. Feit again rejecting the accidental death claim, citing to: (1) Dr. Feit’s death certificate, which stated the manner of death as “natural cause”; (2) the autopsy report, which supports the finding of death due to natural causes; (3) the autopsy report’s absence of any findings of bone fractures or trauma; and (4) the accident report’s citation of “heart attack” as the cause of death. (Goodreau Aff., Ex. L.)

Mrs. Feit commenced this suit on May 15, 2003 in the Superior Court of New Jersey, Passaic County. Defendant Greab-West removed the action to this court in June, 2003, claiming diversity jurisdiction. During discovery, Mrs. Feit provided pictures of the crash and named two expert witnesses. Greab-West deposed both experts, Dr. Arthur Fisch, M.D., a cardiologist, and Dr. Due V. Duong, M.D., a forensic pathologist. The reports of both experts attest that, given the circumstances of the crash, the manner in which the body was found, Dr. Feit’s medical history, and the findings of the autopsy reports, Dr. Feit’s atherosclerotic obstruction did not contribute to his death.

Dr. Fisch, Mrs. Feit’s expert cardiologist, testified that he believed that a cardiac condition did not contribute to Dr. Feit’s death. (Aff. of Michael J. Zaretsky, dated January 11, 2006 (“Zaretsky Aff.”), Ex. A.) Dr.

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Cite This Page — Counsel Stack

Bluebook (online)
460 F. Supp. 2d 632, 2006 U.S. Dist. LEXIS 75741, 2006 WL 2861956, Counsel Stack Legal Research, https://law.counselstack.com/opinion/feit-v-great-west-life-and-annuity-ins-co-njd-2006.